What you'll know by the end
Six short steps, each one the step before it plus one more thing to understand. Start at the beginning, or jump to the part you’re stuck on.
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What your policy coversThe six parts of a homeowners policy, and the page that matters most.
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Whether it would rebuild your houseReplacement cost, depreciated value, and the 80% rule.
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Whether flood is coveredNot by a standard homeowners policy. 86% of high-risk properties had no National Flood Insurance policy in 2026.
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Your hurricane deductible, in dollarsA percentage of your house limit, and how it works across a season.
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Why prices roseThe national numbers, and what happened in Florida.
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What to do if you are droppedYour notice rights, Florida’s 20% rule, and force-placed cover.
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What bundling doesA discount is common; a lower total is not guaranteed.
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What it actually costsThe averages, the range inside one state, and where sample prices are published.
A guide, not a course
ShortEach step is one idea, one picture and a few lines. Nobody lectures you.
You steerStart anywhere, skip anything, come back to the part you are stuck on.
Something to trySee what the 80% rule does to a claim, and your hurricane deductible in dollars.
Nothing to sign up forReading it asks for nothing: no name, no email.
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Six short steps. Start at the beginning, or pick the one you're stuck on.